Lemon Grove, CA Home Insurance - Analysis On Quotes, Rates & Agents
Lemon Grove Insurance Rates:
Lemon Grove, CA homeowners insurance is approximately $522 to $709, about $43-$59/month. Our thorough research reveals consumers can save upto $246 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
AllstateThe website is easy to use to view policies, make payments, and make updates. everything conveniently laid out and user-friendly.
TravelersIf i forget my login or password it can be frustrating to retrieve it or reset it to a new one.
State FarmThe state farm insurance company is cheapest cost than other company when your purchase the insurance in the first time.
AllstateAny questions I have are answered quickly and thoroughly by anyone at my particular branch. They are kind and courteous and I appreciate all their help.
Liberty Mutualcommunicate the insurance services is good. any doubt clear to all time. so I am satisfied the company
GeicoMy agent is always very helpful, my only problem is that sometimes they are super busy and it can take a while to get a response. I have had to deal with the company itself on a couple of auto claims and have always found them to be very responsive.
State FarmSometimes it can take a day or so to hear back from my personal rep. Other than that, no complaints.
Lemon Grove, CA Homeowners Insurance By Home Value
| Lemon Grove, CA Home Value | Total Homes | % of Total | Average Lemon Grove, CA Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 118 | 3.0% | $49 |
| $80,000 to $89,999 | 40 | 1.0% | $172 |
| $100,000 to $124,999 | 99 | 2.0% | $221 |
| $125,000 to $149,999 | 50 | 1.0% | $276 |
| $150,000 to $174,999 | 147 | 3.0% | $332 |
| $175,000 to $199,999 | 84 | 2.0% | $381 |
| $200,000 to $249,999 | 641 | 16.0% | $461 |
| $250,000 to $299,999 | 1,110 | 28.0% | $559 |
| $300,000 to $399,999 | 1,551 | 40.0% | $713 |
Top Home Insurance Agents Near Lemon Grove, CA
| Home Insurance Company Near Lemon Grove, CA | Homeowners Insurance Agency Near Lemon Grove, CA | Address |
|---|---|---|
| Allstate | Brian Konishi | 1400 E Plaza Blvd Ste B, National City, CA, 91950 |
| State Farm | John Crawford | 7061 Clrmt Msa Blvd Ste 217, San Diego, CA, 92111-1043 |
| State Farm | R J Blake | 1040 University Ave Ste B201, San Diego, CA, 92103-3364 |
| State Farm | Steve Lyons | 4005 Governor Dr, San Diego, CA, 92122-2522 |
| State Farm | Tim Giblin | 133 S Esc Blvd, Escondido, CA, 92025-4114 |
Cost Of Homeowners Insurance By Street Near Lemon Grove, CA
| Streets in Lemon Grove Area | Homeowners Insurance Cost |
|---|---|
| Dinovo St, Bittern St, Cameron Dr, Primera St, Burnell Ave, Green Lake Ct, Davidson Ave, Hagmann St, Tracy St, Biloxi St | $614 |
| Charlene Ave, Scimitar Dr, Mazer St, Myra St, Laddeck Ct, Plover St, Flicker St, Chatswood Dr, Shirley Ln, Lincoln Pl | $620 |
| Bates St, Sunset Ter, Hawkins Pl, Drexel Ln, Bancroft View Dr, Alford St, Sandy Bev Ln, Watwood Rd, Tarbox St, Country Club Pl | $622 |
| Brackton Dr, Corona St, Chateau Way, Dain Ct, Costada Ct, Golden Ave, Jadam Way, Michael St, Solana St, Jill Ln | $622 |
| Blossom Way, Hershey St, Trophy Dr, Rainbow St, Deville Dr, Bass St, Bakersfield St, Gayle St, Wren St, Alicia Ln | $614 |
Lemon Grove, CA Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Lemon Grove | $92 to $94 |
| La Presa | $91 |
| La Mesa | $94 |
| Spring Valley | $93 |
Lemon Grove, CA Auto & Homeowners Insurance Bundling Discounts
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| La Presa CDP, California | $77 | $102 | $153 |
| La Mesa city, California | $78 | $104 | $156 |
| Spring Valley CDP (San Diego County), California | $78 | $103 | $155 |
Lemon Grove, CA Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Lemon Grove, CA | 2.5% | 15.1% |
| La Presa | 2.64% | 14.19% |
| La Mesa | 2.4% | 12.32% |
| Spring Valley | 2.39% | 13.53% |
Lemon Grove Renters Insurance as a Percentage of Rent
| Lemon Grove Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 75 | 2.0% | $791 |
| $300 to $499 | 89 | 2.0% | $1241 |
| $500 to $749 | 216 | 6.0% | $1916 |
| $750 to $999 | 990 | 27.0% | $2666 |
| $1,000 to $1,499 | 1,455 | 40.0% | $3791 |
| $1,500 or more | 772 | 21.0% | $5441 |
Average Cost Of Home Insurance By Company In Areas Nearby Lemon Grove For Different Scenarios
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | New | California Capital | 328 |
| 200000 | 500 | New | Farmers (Fire Ins) | 697 |
| 200000 | 500 | New | Tokio Marine America | 427 |
| 250000 | 1000 | New | California Capital | 361 |
| 250000 | 500 | New | Amco | 559 |
| 300000 | 500 | New | California Casualty | 605 |
| 400000 | 1000 | New | California Casualty | 617 |
| 500000 | 1000 | New | AAA (Interinsurance Exchange) | 690 |
| 500000 | 1000 | New | Liberty Ins Corp | 813 |
| 500000 | 2500 | New | Grange | 802 |
| 500000 | 2500 | New | Unigard Group | 774 |
| 150000 | 500 | 1-3 Years | Pacific Specialty | 482 |
| 200000 | 500 | 1-3 Years | General Ins | 339 |
| 400000 | 1000 | 1-3 Years | CSE Safeguard | 759 |
| 400000 | 1000 | 1-3 Years | Foremost Insurance | 1455 |
| 400000 | 1000 | 1-3 Years | Grange | 847 |
| 400000 | 1000 | 1-3 Years | Stillwater Ins Co | 905 |
| 400000 | 1000 | 1-3 Years | Universal North America | 617 |
| 750000 | 2500 | 1-3 Years | Universal North America | 922 |
| 150000 | 250 | 4-6 Years | Tokio Marine America | 371 |
| 150000 | 500 | 4-6 Years | American Reliable | 444 |
| 200000 | 500 | 4-6 Years | California Capital | 434 |
Lemon Grove, CA Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,600 | $2,600 |
| Yearly Lemon Grove Homeowner Insurance Premium Example | $700 | $500 |
| Out of Pocket Expense During Claim | $1,600 | $2,600 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $7,200 | $6,600 |
| Net Savings to Lemon Grove Home Owner from High Deductible Plan | $600 | |
Lemon Grove, CA Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Lemon Grove, CA Home Replacement Value MORE than Home Value | Lemon Grove, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $404,000 | $265,000 |
| Insurance Premium based on Replacement Value | $975 | $625 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $74,500 | Risk Exposure from Under Insuring Coverage is $64,500 |
| Premium Impact | Insurance cheaper by $150/year | Insurance costlier by $200/year |
Example Lemon Grove Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Amica Mutual Insurance Company | Travelers | Liberty Mutual |
| Monthly Premium | 162 | 82 | 79 |
| Year Built | 1992 | 2005 | 1984 |
| Home Details | 5 Beds, 3 Baths | 4 Beds, 3 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $600000-$700000 | $250000-$300000 | $350000-$400000 |
| Deductible | $1000-$2500 Deductible | $500 Deductible | $2500-$5000 Deductible |
Sample Home Insurance Rates for Lemon Grove, CA from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 2005 | 235,000 | Tile Roof | 1,690 | 4 | $5000 to $10,000 Deductible | 80 | 3 | Stucco siding | No |
| 1987 | 285,000 | Asphalt Shingles Roof | 2,250 | 5 | $500 Deductible | 550 | 10 | Wood siding | yes |
| 1994 | 340,000 | Shingles Roof | 2,580 | 5 | $500- $1000 Deductible | 260 | 3 | Wood siding | No |
| 1993 | 495,000 | Shingles Roof | 2,690 | 4 | $1000-$2500 Deductible | 1120 | 10 | Fiber-Cement Siding | yes |
| 2004 | 550,000 | Metal Roof | 3,290 | 4 | $2500-$5000 Deductible | 210 | 2 | Stone Siding | yes |
| 1965 | 225,000 | Membrane Roof | 1,700 | 4 | $500 Deductible | 120 | 2 | Brick siding | yes |
| 1992 | 410,000 | Composition Roof | 2,830 | 4 | > $10,000 Deductible | 470 | 9 | Brick siding | No |
| 1974 | 400,000 | Tile Roof | 2,210 | 3 | $500 Deductible | 560 | 6 | Wood siding | No |
| 1999 | 345,000 | Tile Roof | 2,390 | 3 | $500- $1000 Deductible | 760 | 12 | Stucco siding | yes |
| 1975 | 395,000 | Composition Roof | 2,140 | 3 | $2500-$5000 Deductible | 540 | 8 | Stucco siding | No |
| 1971 | 470,000 | Tile Roof | 2,560 | 4 | $500 Deductible | 540 | 4 | Stone Siding | yes |
| 2009 | 415,000 | Membrane Roof | 3,320 | 4 | $500 Deductible | 560 | 5 | Stucco siding | No |
| 1963 | 380,000 | Asphalt Shingles Roof | 2,570 | 4 | $500- $1000 Deductible | 230 | 3 | Wood siding | No |
| 1973 | 225,000 | Composition Roof | 1,660 | 3 | $500 Deductible | 290 | 6 | Brick siding | yes |
| 1962 | 280,000 | Wood Shake Roof | 1,830 | 3 | $1000-$2500 Deductible | 720 | 12 | Stucco siding | No |
| 1981 | 175,000 | Asphalt Shingles Roof | 1,260 | 3 | $1000-$2500 Deductible | 380 | 12 | Brick siding | yes |
| 1960 | 320,000 | Composition Roof | 2,360 | 3 | $2500-$5000 Deductible | 740 | 12 | Brick siding | yes |
| 1989 | 155,000 | Wood Shake Roof | 900 | 2 | $500 Deductible | 260 | 7 | Wood siding | No |
| 1969 | 240,000 | Membrane Roof | 1,570 | 2 | $1000-$2500 Deductible | 440 | 9 | Fiber-Cement Siding | No |
| 1981 | 695,000 | Wood Shake Roof | 4,910 | 5 | > $10,000 Deductible | 80 | 1 | Stone Siding | yes |
| 2003 | 290,000 | Asphalt Shingles Roof | 1,660 | 2 | $2500-$5000 Deductible | 280 | 5 | Brick siding | No |
| 2006 | 495,000 | Membrane Roof | 3,820 | 5 | $500- $1000 Deductible | 1240 | 12 | Wood siding | yes |
| 1991 | 225,000 | Shingles Roof | 1,510 | 3 | $500- $1000 Deductible | 40 | 1 | Stone Siding | yes |
| 1970 | 670,000 | Shingles Roof | 4,090 | 5 | > $10,000 Deductible | 490 | 6 | Stucco siding | No |
| 1986 | 300,000 | Membrane Roof | 1,770 | 2 | > $10,000 Deductible | 420 | 10 | Brick siding | yes |
| 1970 | 235,000 | Membrane Roof | 1,390 | 2 | $2500-$5000 Deductible | 90 | 2 | Stone Siding | No |
| 1966 | 225,000 | Tile Roof | 1,360 | 3 | $1000-$2500 Deductible | 410 | 12 | Stucco siding | No |
| 1986 | 155,000 | Composition Roof | 1,240 | 3 | $500 Deductible | 100 | 3 | Stone Siding | yes |
| 1974 | 135,000 | Tile Roof | 1,060 | 2 | $1000-$2500 Deductible | 350 | 12 | Stucco siding | No |